BlastPoint's Credit Union Scorecard
NAVIGANT
Charter #62882 · RI
NAVIGANT has 4 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 60.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Average Member Relationship (AMR): Top 7.8% in tier
- + Total Loans: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.2% in tier
- - Indirect Auto Dependency: Bottom 30.6% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 2.84% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Rhode Island.
- Shares and deposits +4.0% year over year ($3.60B in shares and deposits).
- Membership: 170,520 members, +3.8% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.81%.
- Efficiency ratio 72.29% vs a 69.45% peer average.
- Loan-to-share ratio 104.34% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
170,520
+3.8% YoY+0.3% QoQ
|
-46.0K |
216,545
-9.5% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$4.3B
+7.5% YoY+2.4% QoQ
|
+$382.1M |
$3.9B
-1.6% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$3.8B
+7.9% YoY+3.3% QoQ
|
+$822.7M |
$2.9B
-1.2% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 10.4% in tier |
| Deposits |
$3.6B
+4.0% YoY-1.0% QoQ
|
+$340.5M |
$3.3B
-2.6% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.8%
+63.1% YoY-4.6% QoQ
|
-0.1% |
0.9%
+25.3% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.0%
+16.0% YoY+1.2% QoQ
|
-0.2% |
3.2%
+3.8% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
72.3%
-4.9% YoY+1.0% QoQ
|
+2.8% |
69.5%
-2.3% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.4%
-8.9% YoY+18.4% QoQ
|
-0.4 |
0.8%
+5.5% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
104.3%
+3.8% YoY+4.3% QoQ
|
+14.1% |
90.2%
+0.9% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 13.0% in tier |
| AMR |
$43,113
+2.1% YoY+0.9% QoQ
|
+$12K |
$31,018
+6.9% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
Top 9.1% in tier |
| CD Concentration |
27.7%
-11.0% YoY-2.8% QoQ
|
-1.4% | 29.1% | 27.0% | 20.0% | 44% |
| Indirect Auto % |
22.3%
+1.3% YoY+2.7% QoQ
|
+4.2% | 18.1% | 10.6% | 7.7% | 65% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)